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Arianna Huffington, author, entrepreneur, and founder of The Huffington Post believes in one key to success above all else: getting enough sleep. When I get eight hours, I feel ready to handle anything during the day without stress and without paying a heavy price in terms of my own health and my own mental well-being, Huffington, the author of The Sleep Revolution, told NBC. Heres how sleep can lead to greater success and happiness for you: Huffingtons Personal Journey With Sleep Back in 2007, Huffington was constantly sacrificing sleep to work 18-hour days. Then, one morning, she woke up on the floor of her home office in a pool of her own blood. Shed passed out from exhaustion, breaking her cheekbone when she fell. It was a pivotal moment that reshaped her views on success and well-being. Rather than measuring success in just money or power, Huffington now advocates for a third metric of success, which includes well-being, wisdom, and giving back. Shes since written two books on the subjects and founded a new company, Thrive Global, which helps employers improve their workers lives. Why is Sleep Essential for Success? In her viral TED talk, Huffington discussed how sleep allows us to shut down our engines, refresh our brains, and go into every day operating at peak performance, which is foundational for productivity, creativity, and decision-making. Science backs Huffingtons views. For example, one study showed that new neural connectionsthe pathways between neurons that allow our brains to functionare formed while sleeping. It also showed better performance outcomes from sleeping and training together rather than training more in place of sleep. Studies have also linked inadequate sleep (whether thats extreme deprivation over a short period or slight deprivation over the long term) to worse reasoning, decision-making, and driving abilities, as well as mood swings, depression, and physical ailments like diabetes and cardiovascular disease. Arianna Huffingtons Top Tips for Better Sleep Alongside championing the importance of sleep, Huffington has put out tons of advice on how to get enough of it through The Sleep Revolution and her Sleep Revolution Manifesto. 1. Create a bedtime ritual Doing the same routine before bed each night will help signal to your body and brain that its almost time to sleep. Adding relaxing activities like a hot bath, a nice cup of decaffeinated tea, a good book, or a mediation session, will help even more. 2. Make your bedroom an ideal sleep space Huffington advocates for keeping your bedroom cool (between 60 and 67 degrees), dark, and quiet. If possible, keep your smartphone out of your bedroom (or at least out of reach) and reserve the room for sex and sleeping only. 3. Avoid caffeine and electronic devices before bed Huffington recommends cutting off caffeine around 2 p.m. and any electronic devices around 30 minutes before you lay down for the night. If you read in bed, use a traditional paper book or an e-reader without backlighting. 4. Wear dedicated pajamasnot workout gear Wearing the same clothes to exercise and to sleep sends your body mixed signals. 5. Treat sleep as nonnegotiable Rather than sacrificing sleep to spend time on other activities like work, social engagements, or recreational activities, Huffington says we should be doing the opposite. Schedule your life around getting enough sleep in the same way you plan sleep around your work schedule. The Link Between Sleep, Happiness, and Mental Health All the things that make life much harder are aggravated when youre sleep-deprived, Huffington said on The School of Greatness podcast. Youre more likely to dwell on your failures, fears, and anxieties or feel irritable and stressed. By contrast, when you sleep enough, your brain gets the recovery time it needs, youre more clear-headed, emotionally level, and able to handle the challenges your job or life might throw at you. You also increase your daily opportunities to experience joy, which can improve your relationships and work performance. Over time, all of these factors reduce your stress, make you more productive, and help you avoid burnout. Debunking the Myths of Around Sleep Work culture has a terrible tendency to glorify sleep deprivation. Theres the hustle mentality that says one should always be grinding. Theres also the sleep deprivation one-upmanship where people brag about how little sleep they get. Today, so many of us fall into the trap of sacrificing sleep in the name of productivity, Huffington said. But in the U.S., inadequate sleep actually leads to 11 days of lost productivity per year per worker, collectively costing the U.S. economy more than $63 billion annually. Prioritizing sleep is often associated with laziness, but making sure you begin every day at your full potential is actually a strategy for long-term success.
Category:
E-Commerce
Uber CEO Dara Khosrowshahi is enthusiastic about the companys pilot with Waymo. In Q1 prepared remarks, he said the launch in Austin has exceeded our expectations, noting that the 100 self-driving vehicles there were busier than 99% of the citys human drivers. The strong performance has Uber looking ahead to its next Waymo rollout in Atlanta. But Waymo isnt Ubers only autonomous partner. Just hours before Khosrowshahis comments were released, Uber announced an expanded deal with WeRide, a global rival to Waymo. WeRides robotaxis will soon launch in 15 new cities outside the U.S. and China. While Waymo may be Ubers marquee U.S. partner, the rideshare giant is making it clear it wont rely on just one self-driving tech provider. Ubers expanding self-driving deals In the United States, Waymo remains the dominant force in robotaxis, especially since Cruise has shuttered. Waymo’s autonomous vehicles are already operating in Austin and are set to launch in Atlanta. Waymos safety record and rider experience coupled with Ubers scale and reliability in the market have ensured that these vehicles are extremely busy, CEO Dara Khosrowshahi noted in his Q1 remarks. But the Uber-Waymo relationship hasnt been without friction. When Waymo announced a Miami expansion without Uber in December, Ubers stock took a hit. In response, the company unveiled new American partnerships, first with Volkswagen in April and then with May Mobility in June. (Uber declined to comment for this story.) Meanwhile, Ubers international self-driving investments are accelerating. Just ahead of Khosrowshahis remarks, the company announced an expanded partnership with WeRide, the Chinese robotaxi firm already operating with Uber in Abu Dhabi. The new agreement covers 15 additional citiesintentionally outside both the U.S. and Chinaand includes a $100 million investment. The same week, Uber announced an expanded deal with Pony.ai, another Chinese autonomous vehicle company. While the agreement excludes operations in China and the U.S., it significantly broadens their collaboration across the Middle East. Just days earlier, Uber also announced a new partnership with Momenta for deployment across Europe. To date, Uber has inked deals with 18 self-driving companies. Waymo may still be Ubers biggest U.S. bet, but globally, the ride-hailing giant is hedging those bets fast. Who should lead the robotaxi revolution? Not long ago, Uber was hoping to produce robotaxis, and not just commission them. The company invested over $1 billion into their own self-driving technology. But in 2020, it pulled the plug, selling its autonomous vehicle unit to Aurora, where CEO Dara Khosrowshahi now sits on the board. Uber isnt alone among American companies that failed to crack autonomous driving. Lyft also abandoned its self-driving ambitions. Cruise, General Motors robotaxi division, effectively shut down after one of its vehicles dragged a pedestrian about 20 feet. Tesla continues to hype its Full Self-Driving (FSD) software, but Elon Musks promised robotaxi still hasnt arrived. That leaves Waymo as the leadingif not the onlyAmerican contender in the robotaxi race. Meanwhile, Chinese firms like WeRide, Pony.ai, and Momenta are rapidly expanding. Uber is poised to play a major role in this growing global market, serving autonomous rides to its loyal user base. For now, Uber isnt picking just one horseits betting on the entire field.
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E-Commerce
When India banned TikTok in 2020, YouTube responded by launching a short-form video feature with a similar user experience in the country. Less than a year later, that feature rolled out globally as YouTube Shorts, which allows creators to post 180-second-long swipeable vertical content. Today, YouTube Shorts has roughly 1.5 billion users and receives an average of 70 billion daily views. With TikToks future in limbo in the U.S.a much-delayed ban is set to take effect on June 19Shorts is hoping that TikToks audience of almost 2 billion people will see it as a compelling alternative. YouTube is already the second-most visited site in the world, and the platform has spent years building a strong creator ecosystem. YouTube Shorts product lead Todd Sherman came on the Most Innovative Companies Podcast to talk working with creators, tweaking the Shorts algorithm, and competing with TikTok. It’s been five years since you launched YouTube Shorts in India. Why did you create the product, and why launch it in India first? I worked at Twitter when we had Vine and I recognized it as the beginning of something. Even though Vine didn’t continue forward, and other apps took its place, none quite had the same vibe. At YouTube, we wanted to get into short-form video. We felt like it was going to give a whole new generation of creators a voice and would also be really fun to watch short videos between moments throughout the day. India was an important proving ground. Theres a long tail of Android devices there and a lot of them are lower-end. Theres a massive group of creative people [there], and it has a really big population, so we wanted to plant a stake in that market. Around five years ago, as YouTube Shorts launched, TikTok took off in the Unites States. How did you think about that product as you were developing Shorts? A lot of people started paying attention to short form video when TikTok started to get scale. [But] I had been paying attention to it since Vine, and pushing for us to make progress there even before TikTok was a mainstream name. It’s interesting to take inventory of how short-form video evolved. At first it was just squarish videos with no algorithm and a really basic camera where you just held your finger on the screen to record segments. Then Dubsmash and Musical.ly really embraced the remix of the sound. They added the audio pivot page where you could see all of the other videos that were using that sound, but there still really weren’t great algorithms. What [TikTok developer and eventual Musical.ly acquirer] ByteDance did is they were applying machine learning algorithms to short-form video in a way that none of the other ones had been. I think the most impressive thing about the rise of TikTok is really their algorithm and how effective they are at finding videos that you want to watch, [while] also supporting creator growth. There’s always two sides to the algorithm. It’s how easy is it to get started and [get viewers] inspired, but then also how good is it at serving viewer needs? That continues to be a really bright spot for them. Something that is a huge commitment for us is improving the algorithm over time. Does the Shorts algorithm operate the same way as the longer YouTube one? There’s many things that are different in short form because you watch so many more of them. So you approach the amount of diversity across hundreds of videos across different topics or creators differently than if youre serving people 10 or 15 videos a day that are longer form. In short form, you can proactively introduce people to new things more easily, because the cost of being wrong is a lot lower. Do Shorts viewers often click through to watch longer videos from creators they like? That’s one way that happens. We also try to understand these videos through technology. We try to know how videos are related, even if one is short or one is long. We feed these [videos] into what we call an embedding space that [has] a higher dimensional video understanding capability. And so that means a short video can sit in this spot [where] it shares space with longer videos. Because of that, we say to ourselves, here’s all the videos that you enjoy about training dogs, and maybe [some of them are] short videos. Because we have that understanding, we can start to recommend longer videos related to that. Does that work across categories? I like dance videos that are short. I might not actually longer dance videos. Longer ones tend to be more about choreography and I have zero hopes of ever dancing in any respectable way. So from a personalized point of view, I only like one and not the other, whereas for dog training or science videos, I may like both. So the algorithm is personalized. Last year, Shorts went from being one-minute long to three-minutes long. Why did you make that decision? We’re always listening to creators. Sometimes when people are telling a story, it just feels like they’re hitting against this wall. I would go to creator events and ask them what is on their wishlist. Especially amongst people that have this narrative-style storytelling where they’re scripting and there’s a dialogue, they were asking if they could get a little breathing room. It led us to say, we think that we can expand this while still preserving the shorter side of videos. Around a minute and 45 seconds-long, videos tends to be more narrative style, where you have beginning, middle, and end. We want all those stories to be told on YouTube. You recently changed the way views are counted on the platform. Why is that? On long-form YouTube, most engagement comes from people explicitly selecting a video. They’re tapping or they’re clicking and then they’re watching. The vast majority of engagement is explicit. When we started auto-playing things, we asked ourselves, when should we count it as a view? Should it just be immediately? No, we think we should basically approximate it to be equivalent to when somebody clicked or tapped. So we started adding watch time thresholds. Then we inherited that for Shorts. But when we looked at Shorts and what people were telling us, they were telling us they expect it to start counting views [as soon as] they see the video. [We would] talk to new creators, and they’re like, I got zero viewsno one saw my video. Actually, that wasnt true. A lot of people liked their video, but no one watched the video up to the threshold that we define as a view. Within short-form content, most engagement is not coming from explicitly selecting a specific video. It’s coming from people swiping in the feed. So it’s a bit of a redefinition of view. We made the decision [to count all views as views no matter the threshold] because the fundamentals of the product are that when people view your video, they’re just sort of swiping into it. What are your conversations like with Shorts creators?Thescale of Shorts is now that we sort of have to segment creators to kind of talk about them. [Some] long-form creators are effectively production studios with teams. When you think about how they like to use Shorts, they love it as either kind of a creative outlet to try something new. They use it as a testing ground for new ideas. And if something pops off there, then maybe they’ll go and invest 80 hours making a longer video. Who are your favorite creators to follow? I really like Nile Red. He’s this chemist. We watch a lot of his shorts in the living room because he does these little science experiments, and I have little kids. We recently watched one where he tried to make coffee end to end. I’ve also been getting into cooking videos. I don’t know how to cook well, but there’s something I love about watching people quickly prepare a meal. Ian Fujimoto has great storytelling and a great personality. Theres also Nick Suarez who has a channel The Nick of Time where they involve their family in internet trends.
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E-Commerce
The commercial jingle will never die. The classic advertising devices longevity is as impressive as it is surprising. Despite just about everything else in the advertising industry changing over the past two decades, it remains one of the few core tools many marketers still rely on. Its why when you read, Liberty, Liberty, Liberty youll be singing the Liberty Mutual tune in your head. Kraft Heinz CMO Todd Kaplan knows this. He also knows that in order to really make a jingle stick, it helps if you enlist legendary artists to sing it. Which is why this week, the companys Lunchables brand dropped its reimagined version of the 2002 Buckwheat Boyz brainworm Peanut Butter Jelly Time, featuring Lil Jon and Twista. View this post on Instagram A post shared by Lunchables (@lunchables) This is what Kaplan calls marketing that happens, and its part of a broader strategy across the company to find innovative ways to play with culture that actually impact the business. Its a strategy that has been led by Heinz, whose It Has To Be Heinz ork launched in 2023 has helped that brand grow by 6% and boost sales by $600 million. Now the company is looking for ways to scale that impact across all of its brands. Passion Points Consumers are overwhelmed with messaging and all sorts of advertising all day, so you can’t just approach marketing as advertising, says Kaplan, who joined Kraft Heinz last year after a 17-year run at PepsiCo, finishing as CMO of the Pepsi brand. When an ad comes on your TV, you’re typically looking at your phone. When a pre-roll ad hits you on YouTube, you hit the skip button. When an email from a company comes into your email box, it goes right to spam. Just because the marketing message was delivered doesn’t mean it was received, in terms of peoples engagement. So its about trying to find ways to prioritize high engagement moments, especially through passion points like sports, music and entertainment, for people to care more. View this post on Instagram A post shared by Kool-Aid Man (@koolaid) The companys marketing is on a roll. Just in the past month or so, its launched a Kool-Aid collaboration with Nike, seen that brand become a major (and hilarious) plot point on Seth Rogens Apple TV show The Studio. It tapped into March Madness with Ore-Ida by capitalizing on BYUs run to the Sweet 16 with leading scorer Richie Saunders, the great-grandson of the brands founder. Just in time for Mother’s Day, this weeks Kraft Mac & Cheese dropped the Forever Macaroni Necklace. The brand knew about the generations-long tradition of little kids making macaroni necklaces for their moms, and took it to the next 14-carat level. View this post on Instagram A post shared by Kraft Mac & Cheese (@kraft_macandcheese) These are more thn just one-off projects, but part of a coordinated effort to get our attentionand affectionby combining the brand names we already know with unexpected forays into culture. We talk about this idea of being culture in versus brand out, says Kaplan. A lot of brand advertising comes down to, My brand stands for x, and I’m trying to do Y, as opposed to really listening to culture, bringing it in, and finding those logical connection points. Heres how Kaplan plans to keep it rolling. Beyond awareness Take a peek inside the kitchen cupboards and fridges of about 94% of American households, and youll find a Kraft Heinz product. If every house has one of our brands within an arm’s reach, this isn’t about brand awareness and telling people what we are, says Kaplan. It’s telling people about why we matter and how we can connect with them. Which brings us to mustard. On Kendrick Lamars hit 2024 album GNX, the track tv off featured Lamar yelling MUSTAAAAARD to shout out his producer Dijon McFarlane, also known as Mustard. Brands, of course, jumped on the moment. Heinz went a step further and teased a collab with Mustard during the Grammys on February 3rd, which will see a limited edition mustard flavor and packaging collab with the Not Like Us producer dropping this summer. A condiment and culture? That’s a new idea for people, says Kaplan. We have the opportunity to find and tell these really rich and interesting stories, because you already have the starting point of people knowing who your brand is. They have a contextual use case for the product. So how can you build upon that in a really interesting way? Thats what’s quite exciting. Agency and In-House Kraft Heinz brands work with a laundry list of agencies, perhaps most notably (and awarded) in recent years has been the relationship between Heinz Ketchup and creative shop Rethink . But one constant has also been the presence of Kraft Heinzs in-house creative team called The Kitchen, which is behind work like the Mac & Cheese necklace and Heinz x DJ Mustard collab. Historically, the marketing industry, with agencies and clients, had this level of formality and, candidly, I don’t love how transactional a lot of it feels, where agencies pitch, clients buy, agencies sell, says Kaplan. Instead, he prefers that all parties involved work as much as possible as co-conspirators in service to the brand. For The Kitchen, that means really embedding inside each individual brand. Theyve done a phenomenal job of really embracing this kind of real-time speed, rather than acting like an agency, waiting for the next brief, he says. Now the brands have a person from The Kitchen in the flow and in the right conversation. So you’re in the formal business review, and you’re in the creative discussion, and you’re not playing catch up. Ultimately, its that mix of traditional agency relationships, in-house teams, and the commitment to culture that has fueled Kraft Heinz brands work. That commitment comes with risk and reward. You need to lean into the imperfections of the cultural moments, he says. You have to hop on it when you have to hop on it, or you might miss it. But also know that it’s not a strategy to just wait for the next cultural moment either. You want to create those moments as well. So it’s a balance.
Category:
E-Commerce
After a five year reprieve, the U.S. Department of Education (ED) is coming for defaulted federal student loans. The ED has not collected on defaulted loans since all payments on federal student loans were paused as part of the Covid-19 emergency relief effort in 2020. Student loan payments resumed on September 1, 2023 for all 42.7 million federal student loan borrowers. The majority of borrowers resumed monthly payments at that time and have loans in good standing. However, some 5 million borrowers have not made a payment for more than 270 days, meaning their loans are currently in default. The ED refrained from collecting on defaulted loans until earlier this week. Nearly 5 million more borrowers are currently delinquent, meaning they have missed at least one payment and owe a past due amount. If these borrowers dont repay the past due amount or otherwise make their federal loans current, we may see upwards of 10 million borrowersalmost one-quarter of all federal borrowersdefault on their federal student loans before the end of this year. Unfortunately, the government has called in the heavies to enforce collections on defaulted loans. The good news is that the Department of Education wont send a leg-breaker named Eyeball to shake down borrowers for missing payments. The bad news is that government collections garnish your paycheck or Treasury payments instead of menacing you in a dark alley. Whether youre in good standing, delinquent, or in default on your student loans, its important to understand what to expect from federal student loan collections. Heres what you need to know. Garnishment hasnt started yet If youve only seen the headlines about collections restarting for defaulted loans, you might assume that as of May 5, 2025, borrowers in default were already seeing money lifted from their paychecks and Treasury payments. But even though we have a WWE Secretary of Education, the ED cant pull a heel-turn without any warning. According to Adam Minsky, an attorney who focuses on helping student loan borrowers and their families, it was only the Treasury Offset Program (TOP) that began this week. In other words, as of May 5, TOP began the process of identifying borrowers in default so they can be notified of the governments intent to offset, aka garnish. As of Wednesday, May 7, TOP has sent initial notices to 195,000 federal student loan borrowers. But borrowers have a 65-day window to respond to the notices before any offset actually begins, Minsky says. This means any borrower in default still has time to avoid garnishment even if they have already received a notice. Challenges facing borrowers in default Although no one is facing an immediate threat of garnishment, it can still take time to go from default to good standing, especially considering the logistics of federal student loan repayment. To start, interest has been accruing on all defaulted loans since September 2023, increasing the total debt burden for borrowers in default. Additionally, many federal student loans have been transferred from one servicer to another, leaving many borrowers confused as to who they need to pay. Finally, Minsky also warns borrowers about Uncle Sams long memory. Unlike most other types of consumer debt, federal student loans do not have a statute of limitations, he says. That means they don’t expire, and the government can pursue defaulted federal student loan borrowers even if the loans are many years old. So maybe you should let go of your plan to grow a mustache and go on the lam instead of dealing with your defaulted loan. However, there are some concrete strategies borrowers can use to get out of default. Returning your loan to good standing Jenny Twomey, manager of external communications at private lending company Earnest, wants to reassure borrowers that they can take control of their defaulted student loans. She recommends following these steps to return their loans to good standing: Find your federal student loan servicer The first thing you should do is figure out exactly who your current loan servicer is. And if youre embarrassed that you dont know, Twomey wants to assure you that youre in good company. Its common for people to not know who is servicing their loan, she says. In addition to the giant game of hot potato that MOHELA, Aidvantage, and Nelnet seem to be playing with federal student loans, borrowers can lose touch with their loan servicer after moving, changing their email address, losing their password, or otherwise focusing on other stuff over the course of five tumultuous years. There are a couple of ways to find your loan servicer: Check your Federal Student Aid account. There should be a section called My Loan Servicers on your dashboard and that has your servicer information for you, Twomey says.To log into this account, you will need your email, phone number, or FSA ID username. If youve forgotten your login, the Federal Student Aid site offers several methods for accessing or recovering your account. Call or email the Federal Student Aid Information Center. You can contact this information center at customerservice@studentaid.gov or 1-800-4-FED-AID (1-800-433-3243) Refer to your original loan documents. Your original loan documents will have your servicers listed, says Twomey. That will tell you who your servicer was to begin with. Look at your credit report. Something thats not common knowledge is that your servicers are listed on your credit report as well, says Twomey. Youre entitled to a free copy of your annual credit report each year at AnnualCreditReport.com. Pulling up your credit report to find your servicers will let ou cross two financial tasks off your to-do list: find your servicer and review your credit report for errors. Check your federal student loan terms Once youve found your servicer, you will need to find all the details of your loan, including your current loan balance your interest rate the length of your repayment period the monthly payment These terms can come as a surprise to borrowers, even if they havent missed a payment. Twomey says that a recent Earnest survey found that graduates expect to pay off their student loans in an average of 6 years, but the actual average repayment period is 20 years. Knowing these terms allows you to make a plan for returning your loan to good standing. Explore your options with your servicer Minsky explains that loan servicers may offer a number of options for avoiding collections. You can contact your servicer to determine which of these potential strategies might work best for your financial situation. Just remember that each strategy has benefits and drawbacks, and not all of these options will work for every borrower. Switch to an income-driven repayment If your loan is delinquent, meaning your payment is less than 270 days past due, you may be able to ask your servicer to switch you to an income-driven repayment (IDR) plan. Your monthly payment on an IDR is based on your income and family size, meaning your payment may be as low as $0 per month. When you apply for IDR, your servicer may put your loan on administrative forbearance while your application is processed. Just remember that borrowers already in default cant apply for IDR. Student loan discharge: There are some specific situations where borrowers can have their loans discharged, meaning they are no longer obligated to repay the loan. If your school closed or lost its accreditation, if you have become totally and permanently disabled, or if you meet certain requirements when declaring bankruptcy, you may be eligible for loan discharge. Loan rehabilitation: Under this option, your loan servicer will set a monthly payment amount equal to either 10% or 15% of your annual discretionary income, divided by 12. You must make 9 payments of this amount within 20 days of the due date over 10 consecutive months, which will return your loan to good standing. You may only take advantage of loan rehabilitation once. Up to 20% of each payment may be applied to collection fees, but these fees are not capitalized if you complete the rehabilitation. Loan payoff: Paying off your loan in full will get you out of default, but most borrowers dont have 10s of thousands of dollars lying around for that purpose. That leaves two options for paying off a defaulted loan: consolidation and refinancing.Federal Direct Loan Consolidation allows you to combine multiple federal student loans into a single loan. While consolidation will not reduce your interest rate, it can potentially lower your monthly payments and it will make all of your federal loans current. You have to make three consecutive payments on a defaulted loan before you can apply for consolidation and you cant consolidate a defaulted loan that is already being collected through garnishment. This means any borrower who has already received a notice of garnishment from the ED has a limited window to qualify for consolidation. Private refinancing is when you borrow a new loan to pay off your federal student loan. While well-qualified borrowers may be able to get a private loan with low interest rates and favorable terms, borrowers with a defaulted federal loan are unlikely to be considered well-qualified. Applying with a co-signer may help a struggling borrower qualify for a low-cost private loan, but it can be difficult to find a willing co-signer. Additionally, refinancing your federal loans with a private loan means losing federal borrower protections. Take the heat off your defaulted student loans The federal government may have restarted involuntary collections of defaulted student loans, but that doesnt mean youre doomed to see your wages, tax refunds, and Social Security benefits garnished. To start, the Treasury Offset Program just started notifying borrowers of the intent to garnish this week. Borrowers have 65 days to respond before any money is withheld from their payments, meaning there is time to correct a defaulted loan. Even if you have lost or forgotten your servicer information, you can find it by logging onto studentaid.gov, contacting the federal student aid information center, checking your original loan documents, or even looking at your credit report. Once you have found your loan servicer, check your loan balance, interest rate, repayment term, and monthly payment. With that information in hand, contact your servicer to discuss what options are available for returning your loan to good standingincluding income driven repayment, loan discharge, loan rehabilitation, consolidation, or refinancing. The gears of federal student loan collections grind slowlywhich means you can get ahead of them before your wages or Treasury payments are at risk.
Category:
E-Commerce
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